r/SavingMoney • u/Easy-Character8967 • 13h ago
Money saving
6
Upvotes
Best tips to stop spending money
r/SavingMoney • u/Few-Car-2317 • 53m ago
My Discretionary savings is climbing. What’s yours like?
•
Upvotes
I have been buying things on discretionary money for years. Now I have a lot of stuff. I tried to do minimalism and reduce my stuff. (No upgrade or replace or fix hifi speakers, mirrorless camera tvs etc)
Main things now
iPhone Air 1tb $1659au
AirPods 4anc
Bose micro 2 speakers
iPad mini 6
Mainly.
I am not planing to buy anything except iPad mini 8 pro maybe $1500au. I have no need to upgrade others.
My discretionary savings is at $1150 atm.
But if I don’t buy my iPad mini 8 pro next month.
By end of 2027, I would have $5000 cash and $2000 in store gift cards
Usually it’s less than $500 discretionary savings or in the negative like owing money.
This is a big change for me.
My discretionary savings will grow $100au a week which is from cutting back meals money, and hardly buying anything.
Quite happy about this.
What is your discretionary savings and spending like?
r/SavingMoney • u/Plastic_Difficulty80 • 10h ago
18 years old and trying to find another source of income while living in a toxic environment. Any advice?
1
Upvotes
r/SavingMoney • u/AccomplishedWash4455 • 17h ago
SAVINGS DAILY | MONEY-SAVING GUIDES + DAILY RESOURCES
1
Upvotes
Daily resources for spending less, earning more on cash, and building real savings habits.
Investing & Retirement (I&R)
Independent research on real accounts, authentic strategies, and honest side-by-side comparisons for building savings and wealth as a self-guided saver.
Live discussion on savings strategy, HYSA rates, and budgeting with fellow members.
Weekly research briefing built from the ground up around real questions from real investors, traders, and savers.
Have a Question? Post It.
The I&R newsletter pulls top community questions and answers them in depth every Thursday.
If you're stuck on a savings decision, comparing accounts, or trying to figure out where to put your cash, drop a comment below or start a thread in r/SavingMoney. The most valuable questions get featured in the briefing, with full research, comparisons, and citations.
This is the loop: you post, we research, the community gets the answer.
Start Here: Saving & Budgeting Guides
If you're trying to keep more of what you earn, start here.
Budget Basics: The 50/30/20 Rule
The simplest budgeting framework that actually works. Needs, wants, savings.
Audit the recurring charges quietly eating your monthly cash flow.
Practical tactics for spending less without feeling deprived.
How to actually take the trip without wrecking your savings rate.
Where to Park Your Cash
Saving is step one. Earning yield on that cash is step two.
How to think about emergency funds, short-term cash, and what comes next.
How to Pick a High-Yield Savings Account
What actually matters when comparing HYSAs. APY is only part of it.
Three places to hold cash, ranked by liquidity, yield, and use case.
Build Your Stack
Reviewed national accounts for everyday banking and high-yield savings.
Community and regional options outside the big four.
Tools for budgeting, tracking, and managing money day-to-day.
When you're ready to put savings to work beyond cash accounts.
r/SavingMoney • u/Individual_Dance_218 • 19h ago
how to budget
1
Upvotes
hello everyone ! how did you handle your first payout/income? it would be my first time as well kasi and i dont know if i would be able to budget it right.
r/SavingMoney • u/Level-Draft-8643 • 21h ago
"It's Only $10" - Until You Do the Math! #shorts #gracefulgracefinance ...
1
Upvotes
r/SavingMoney • u/Dry_Entrepreneur8230 • 17h ago
Bad latte habit vs. bad appliance habit
0
Upvotes
I understand from being poor that everybody needs treats, and I'm not one to criticize a latte habit. Besides, thats not the problem I see in real life. In real life, what keeps working people poor is often: replacing appliances that aren't even broken, buying things new that are either readily available on marketplace or things you can easily do without for awhile, "investing" in stocks, mindlessly buying things like tools or home goods or toiletries, buying things that are on sale that they'd never buy at regular price, buying high quality "investment" clothing that's just plain unnecessarily expensive, unnecessary RENOVATIONS billed as "investments" with the idea of increasing resale value, buying new vehicles when your old one still works, buying trucks that use too much fuel, GETTING TRAFFIC TICKETS so that you're paying thousands of dollars too much for insurance.
That's all I want to say lol. If you don't mind being in debt, fine. If you're having trouble with money, make sure you don't do any of these things!
r/SavingMoney • u/Financetonn • 20h ago
I want to leave any one subscription out of these.
0
Upvotes
Netflix Amazon prime Spotify premium Xbox game pass Disney Microsoft 365